Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Chase Southwest Rapid Rewards Premier Chase United Club Infinite

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Southwest Rapid Rewards Premier

Chase

Southwest Rapid Rewards Premier

Annual fee
$149
Network
visa
Welcome value
~$1,000
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Southwest Airlines purchases
  • 3×Qualifying Lyft products and services
  • 2×Grocery stores and restaurants
  • 1×All other purchases

Key benefits

  • Lost Luggage Reimbursement · $3000
  • Purchase Protection · $500
  • First checked bag free · $140
  • DoorDash non-restaurant quarterly discount · $10
  • Monthly Instacart credit · $10
Full Chase Southwest Rapid Rewards Premier review

Chase

United Club Infinite

Annual fee
$695
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 11×Eligible United flights
  • 5×All other eligible United purchases
  • 5×Hotel stays
  • 2×All other travel

Key benefits

  • Emergency Evacuation and Transportation · $1000
  • Free first and second checked bags · $440
  • JSX statement credit · $200
  • Renowned Hotels and Resorts credit · $200
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
Full Chase United Club Infinite review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer